Tat'yana

Tat'yana is a farmer. Since 1998, she has been in engaged in growing grapes, sunflowers, barley, corn, and herbs. Her husband and two children help her to manage the farm. Her eldest son works as an agronomist. The development of the activities began with growing melons and watermelons on a plot of 40 hectares.

Tat'yana and her husband decided to buy the wire and posts for suspending young grapevines.

Her plans for the future: to build a greenhouse for growing early varieties of grape.

Additional Information

About Agro Capital Management

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

ACM uses a financing model that is relatively unique. Typically, a microfinance institution will lend money to farmers, who then purchase products they need to have a successful harvest and pay back the loan. In ACM's model, the organization purchases the agricultural goods before reselling them to small farmers on an affordable payment plan. This allows farmers to begin using the goods they buy without having to pay in full upfront.

As part of ACM's offering, clients receive training to improve crop yields. In order to cover its costs, the organization charges a small service fee. The amount of each Kiva loan includes both the cost of agricultural supplies and the service fee. As with all Kiva loans, repayments will be returned to lenders on the schedule outlined.